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How Often Should You Review Your Portfolio – and Why It Matters
How Often Should You Review Your Portfolio - and Why It Matters Historical Frequency of Positive S&P 500 Returns (Illustrative data based on historical index perforamnce; past performance does not guarantee future results.) Key Observations...
The Wealth Is There. The Conversation Isn’t
American household wealth has reached record levels, built on rising portfolios and real estate values that span every generation. The conversations families need to have about that wealth have not kept pace in many cases. And the distance between generations on how...
When You’re the Financial Hub of Your Family
FAMILY ADVISORYWhen You're theFinancial Hub of YourFamilyAs your professional life progresses, the financial complexity around you grows. So does the complexity of the people closest to you. The challenge isn't any one decision. It's seeing how everything...
How Do I Keep More of What I’ve Built?
THREE DIFFERENT STORIES, SAME SOLUTION Keeping more of what you've built The traditional answer is "Pay your taxes and move on". The strategic answer is "Position your wealth to offset those gains before they're realized." The potential difference could...
The Concentrated Position Problem
THE CONCENTRATED POSITION PROBLEM Your financial advisor keeps saying: “You need to diversify.” You know they’re right. But every scenario you run shows a significant tax bill just to de-risk your portfolio. Investors who plan head can discover that there...
The Universal Tax Problem
THE UNIVERSAL TAX PROBLEM Three Different Paths. One Expensive Problem. Scenario 1: You’ve built a $15M business over 20 years. Sale closes next year. Potential Tax bill: $4M+ Scenario 2: You’re a tech executive. Your stock options vest in 18 months....
When Should I Start Thinking About the Tax Implications?
WHEN SHOULD I START THINKING ABOUT THE TAX IMPLICATIONS? This is the question we get from: Business owners starting the exit process Executives watching their equity grow Early employees sitting on concentrated stock positions Here's the uncomfortable...
The Diversification Dilemma
THE DIVERSIFICATION DILEMMA There are planning approaches that allow you to diversify while actively managing the tax impact—not just accepting it. This matters if you: Hold stock representing 30%+ of your net worth Are an executive with concentrated...
Understanding the Approach – How Long/Short Tax Aware Equity Strategies Work
UNDERSTANDING THE APPROACH How Long/Short Tax Aware Equity Strategies Work UNDERSTANDING THE APPROACH How does a "long/short tax-aware" equity strategy work? The Core Concept Traditional investing involves buying stocks you believe will go up (going...
Insight Archives
How Often Should You Review Your Portfolio – and Why It Matters
How Often Should You Review Your Portfolio - and Why It Matters Historical Frequency of Positive S&P 500 Returns (Illustrative data based on historical index perforamnce; past performance does not guarantee future results.) Key Observations...
Great Rotation or Pause in Tech Company Dominance?
Great Rotation or Pause in Tech Company Dominance?Introduction There has been a lot of attention paid lately to ag market shift where investors have been selling off high-growth technology shares—particularly the "Magnificent Seven" (Alphabet, Amazon, Apple, Meta,...
The Dos & Donts of Index Investing
The Do's & Dont's of Index InvestingIntroduction The founders of KinneyMunro Wealth Advisors have a combined 60 years of collective experience managing and advising institutional investors, including pension funds and endowments, on market index strategies. This...
Comparing Public & Private Equity
Comparing Public & Private Equity Public and private equity represent two primary ways investors can gain ownership in companies, but they differ widely in terms of accessibility, liquidity, risk, return potential, and governance. Public equity...
Diversification & Alternative Investments
Diversification & Alternative Investments The need for portfolio diversification has never been more critical, as market concentration in the U.S. stock market has reached unprecedented levels. At the end of 2024, the 10 largest companies in...
The Power of Consolidation
The Power of ConsolidationIt's easy to lose sight of your financial picture. Financial chaos doesn't have to be your reality. Let's simplify it together. As we age, our financial lives naturally become more complicated. Accounts get scattered across different...
Asset Backed Lending
Asset Backed Lending Asset-backed lending can make sense in certain situations, but it's important to carefully consider your specific financial circumstances. Here are some key points to help you determine if asset-backed lending might be appropriate for you:...
My Journey from Institutional Asset Management to Wealth Advisory
My Journey from Institutional Asset Management to Wealth Advisory by Brian Kinney Co Founder KinneyMunro Wealth Advisors Reflecting on my career shift from the world of institutional asset management to now focused on wealth advisory, it's clear that this move...
Navigating Divorce
Navigating Divorce Navigating Divorce: The Value of Financial Advisors Divorce is a profound life change that involves not only emotional upheaval but also complex financial decisions. In such challenging times, the guidance of a financial advisor can...
How the Fed’s expected move to cut rates at their next meeting might impact the real estate sector
How the Fed’s expected move to cut rates at their next meeting might impact the real estate sector Federal Reserve Chairman Jerome H. Powell sent a clear signal in his Aug. 23 speech at the Fed's annual economic symposium at Jackson Hole, Wyo. “The time...
Do you have a concentrated equity problem?
Do you have a concentrated equity problem? We can help. Managing a concentrated equity position—where more than 25% of an individual’s wealth is tied to a single stock or a small group of stocks—presents unique challenges and risks. Whether the concentrated...
Stock Market Context
Stock Market Context Putting the recent stock market sell-off into historical context: A stressful but relatively minor correction. After the volatility we have experienced over the past week, we thought it would be helpful to share some historical context...
Forgotten 401(k)
The hidden costs and disadvantages of having a “forgotten” 401(k) plan. Let’s face it, changing jobs and transferring retirement savings from an old employer’s 401(k) plan can be stressful. But leaving money in a forgotten 401(k) plan from a former employer can...
Tax and the election
Tax and the Presidential Election As the 2024 presidential election approaches, one thing is clear: whoever takes office will likely face a critical decision regarding significant changes to the tax code set to take effect at the end of 2025. And those changes,...
Stocks plus cash does not equal portfolio diversification
Stocks Plus Cash Does Not Equal Portfolio Diversification While holding a combination of cash and stocks might seem a cautious approach to investing, it falls short of being a truly diversified portfolio. There are several critical reasons why this...
Is Now The Right Time To Start Or Update My Financial Plan?
Is Now the Right Time to Start or Update My Financial Plan? Creating a financial plan is akin to crafting a roadmap for your financial future, and there's no time like the present to consider taking this crucial step. The current economic climate, coupled...
Navigating the Financial Challenges of Health Care
Navigating the Financial Challenges of Health Care Many of us will eventually find ourselves helping our parents or loved ones navigate their later years. My personal journey in assisting my mother has been a mix of fulfillment and challenges. Over...
Understanding the Lag Between Falling Interest Rates and Economic Impact
Understanding the Lag Between Falling Interest Rates and Economic Impact Interest rates are a fundamental tool of monetary policy, controlled by central banks to influence economic activity. When interest rates fall, borrowing costs decrease, theoretically ...
Blinded by Equity Performance
Blinded by Equity Performance. Don't Overlook the Opportunities in Bonds Over the course of the past month, we have conducted meetings with clients to get a better sense of how they are positioned and what concerns they have about the future. One theme has...
KinneyMunro Wealth Advisors Launched to Provide Personalized Investment Management and Financial Services
KinneyMunro Wealth Advisors Launched to Provide Personalized Investment Management and financial Services March 22, 2024 -- Two financial services veterans announced they are bringing together over six decades of investment management experience to launch...
CHOOSING THE RIGHT LEGAL STRUCTURE FOR YOUR BUSINESS
CHOOSING THE RIGHT LEGAL STRUCTURE FOR YOUR BUSINESS WHAT TO CONSIDER BEFORE LAUNCHING YOUR NEW COMPANY Perhaps you’re an entrepreneur with an exciting idea for a new business. Or maybe you and a family member or friend have been thinking about combining your varied...
COLLEGE PREP: HOW TO PROTECT YOUR CHILD’S HEALTH
COLLEGE PREP: HOW TO PROTECT YOUR CHILD'S HEALTH Parents with college kids may be more focused on helping their adult children get settled into a dorm than thinking about key documents they should sign to protect their health and privacy. What If Your Adult Child Gets...
PLANNING CONSIDERATIONS FOR SMALL-BUSINESS OWNERS
PLANNING CONSIDERATIONS FOR SMALL-BUSINESS OWNERS Small-business owners have unique financial challenges. Is your advisor prepared to meet them? The number of small-business owners in the United States totals more than 32.5 million;¹ however, studies show these...
PROVIDING PLANNING FOR THOSE WITH SPECIAL NEEDS
PROVIDING PLANNING FOR THOSE WITH SPECIAL NEEDS Written by: Cory M. Allen, CFP®, ChSNC® Traditional financial planning is a broad topic that includes both simple and highly complicated topics. It is not surprising many people chose to enlist the services of a...
TAKING CARE OF A FAMILY MEMBER WITH A DISABILITY
TAKING CARE OF A FAMILY MEMBER WITH A DISABILITY We understand that families who have a loved one living with a disability face unique challenges. We work with experienced teams to create one, coordinated wealth management plan that takes into consideration your loved...
FINANCIAL CONSIDERATIONS FOR SOON-TO-BE PARENTS
FINANCIAL CONSIDERATIONS FOR SOON-TO-BE PARENTS When starting a family, it’s important to be prepared.The birth of a child is an exciting, and oftentimes overwhelming, time. Addressing the following items may help provide peace of mind so you are free to focus on...
TEACHING CHILDREN ABOUT MANAGING MONEY
TEACHING CHILDREN ABOUT MANAGING MONEY “We teach children to save their money. As an attempt to counteract thoughtless and selfish expenditure, this is a value. But it is not positive; it does not lead the child into the safe and useful avenues of self-expression or...
TOP 10 WEALTH PLANNING STRATEGIES
TOP 10 WEALTH PLANNING STRATEGIES Consider these tax-efficient strategies to maximize retirement savingsRight now is an ideal time to reevaluate your financial objectives and make sure you remain on track to achieve your goals. Here are the Top 10 planning...
THE PLACE I CALL HOME
THE PLACE I CALL HOME TAX TIPS ON ESTABLISHING YOUR DOMICILE Where You Reside Can Have a Significant Impact on Your Taxes While there are many considerations when tax planning, where you live may be one of the most far-reaching. Income, property and estate taxes can...